Nurdin, Ade Ali
Jurusan Akuntansi, Politeknik Negeri Bandung

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The Effect of Sharia Financial Inclusion on Gross Regional Domestic Product in Indonesia for the 2019-2023 Period Rizkia, Tita; Nurdin, Ade Ali
Journal of Applied Islamic Economics and Finance Vol. 5 No. 2 (2025): Journal of Applied Islamic Economics and Finance (Februari 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v5i2.6757

Abstract

This study aims to analyze the influence of Sharia financial inclusion on the Gross Regional Domestic Product (GRDP) in Indonesia from 2019 to 2023. Sharia financial inclusion is measured using three main dimensions: accessibility, availability, and usage, proxied by indicators from Sharia Commercial Banks (BUS), Sharia Business Units (UUS), and Sharia People's Financing Banks (BPRS) across 33 provinces. This quantitative study uses secondary data from OJK, Bank Indonesia, and BPS, and applies panel data regression via STATA 17. The findings show that both partial and simultaneous influences of the inclusion dimensions significantly affect GRDP growth. These results imply that improving access, availability, and usage of Sharia financial services is crucial for boosting regional economic development and achieving Indonesia's vision as a global Islamic economic hub.
Financial Performance Analysis of Islamic Commercial Banks in Indonesia Using the Sharia Conformity and Profitability (SCnP) Method during the 2019–2023 Period Fransiska, Alda Tri; Nurdin, Ade Ali; Setiawan, Setiawan; Nuryati, Neneng
Journal of Applied Islamic Economics and Finance Vol. 6 No. 1 (2025): Journal of Applied Islamic Economics and Finance (Oktober 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v6i1.6774

Abstract

As Islamic banking develops in Indonesia, its sharia compliance needs to be measured. This study aims to determine the financial performance of Islamic commercial banks in Indonesia using the Sharia Conformity and Profitability (SCNP) model. The financial performance of Islamic commercial banks is measured using the ratios in the Sharia Conformity and Profitability (SCNP) model, including Islamic Investment, Islamic Income, Profit Sharing Ratio, Return on Assets (ROA), Return on Equity, and Net Profit Margin (NPM). The data collection technique used is the documentation technique, in this study the author uses the Annual Financial Report document or Annual Report published on the official website of each Islamic Commercial Bank. The number of samples is 7 Islamic Commercial Banks in Indonesia. Data will be processed using Microsoft Excel. The method used in this study is quantitative research with a descriptive approach. The results of the study have been conducted using the Sharia Conformity method with four quadrants, namely the Upper Right Quadrant (URQ), Lower Right Quadrant (LRQ), and Upper Left Quadrant (ULQ).